Then I don't really see how God's answer to losing a leg (or any such calamity) doesn't boil down to "literally just deal with it bro." Which is, no doubt, solid advice to someone who needs it.

That goes back to God’s definition. God gives strength to deal with situations. God doesn’t burden any soul with more than he can bear.

In other words despite you not believing in prayer and not believing god answers your prayers, you are still only burdened with what you can bear.